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Real Estate Resources:

• Special Offers - Special offers for Chatham, Harding and Summit homeowners from Tom Heyl.

• Affiliates - Tom Heyl's real estate web site affiliates.

• eNewsletter - Tom Heyl'sChatham, Harding and Summit newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, New Jersey, and United States.

• Market Conditions Report - Market conditions report for this area, New Jersey, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Chatham, Harding and Summit, New Jersey mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in New Jersey or buy your own Chatham, Harding and Summit house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Chatham, Harding and Summit mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New Jersey real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Tom Heyl anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Tom Heyl's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Tom Heyl's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Chatham, Harding and Summit property in New Jersey, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Chatham, Harding and Summit Homes, For Home Buyers, For Home Sellers, Chatham, Harding and Summit Information, Real Estate Resources, and About Tom Heyl.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Chatham, Harding and Summit

Selling Your Home >Effective Marketing If your home has been listed for a number of weeks and you have only seen it featured in one newspaper ad, you may start feeling anxious. Although your house is being shown regularly, you wonder if the agent is doing enough. Home sellers often equate effective marketing with classified ads in the weekend Sunday real estate section. However, the most skilled real estate agents know the market well enough to be aware of where the prospective buyers for your home are likely to come from. They will look for the best ways to reach those people through direct mail, telephone contact or specialized ads in neighborhood publications. They will also work to get their colleagues excited about your house, especially agents who have many listings or sales in your neighborhood. And remember--it is important for you and your agent to communicate often so you will know exactly what is being done to sell your home. See All Tips In The "Selling Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What area in the United States has the highest per capita income? A  The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data. See More Real Estate Trivia >

Tom Heyl Keller Williams Realty 488 Springfield Ave. Summit, NJ 07901 Office: 908-273-2991 x 116 Mobile: 973-479-1898 Fax: 908-273-2996 TomHeyl@KW.com Tom Heyl is a “native” of Chatham Twp. and has lived in Green Village or Chatham Twp. for his entire life. Tom graduated from Chatham Twp. high school in 1985 and then went on to graduate from Rutgers University’s Cook College with a degree in economics. Tom then spent the next several years working at his family’s business, Heyl Rose’s Inc., the last remaining commercial rose and cut flower grower in New Jersey. After the family decided to sell the farm in 1999, Tom went directly into real estate. Because of Tom’s long history in and keen knowledge of the area, his realty business immediately took off. Tom has a thorough understanding and knowledge of not only Chatham Twp. and Chatham Boro, but also the surrounding towns of Summit, Madison, Harding Twp., New Providence and Long Hill Twp’s as well as the Mendham’s, Bernardsville and Morristown areas. Tom is one of the original “members” of Keller Williams of Morris, Essex, Union and Somerset Counties, joining the company in 2004 when the Summit office first opened. Tom Heyl is a full time realtor who would be more than happy to speak with you concerning any of your realty needs. www.tomheyl.com is brought to you by Tom Heyl NUMBER1EXPERT™ in real estate for Chatham, Harding and Summit, New Jersey Read Tom Heyl's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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